Our Commitment to Privacy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. Our privacy policy is designed to inform you of the types of information we collect, how we use that information, and the circumstances under which we will share it with nonaffiliated third parties.

Information Collection and Use

The Financial Clinic is the sole owner of the information collected on this Website. We will not sell, share, or rent this information to others in ways differently than we have disclosed in this statement. The Financial Clinic collects information from our users at several different points on our Website.

Examples of the types of nonpublic personal information collected at these pages are:

  • Name
  • Address
  • Web address
  • Email address
  • Phone Number
  • Order Information
  • Credit/Debit Card Information

Additionally, we collect nonpublic personal information about you from the following sources (in addition to our website):

  • Information we receive from you on applications or other forms
  • Information about your transactions with us, our affiliates and others
  • Information we receive from a consumer-reporting agency

We may retain other companies and individuals as our service providers to perform functions on our behalf which assist us in performing internal functions necessary to operate our business, including but not limited to development and maintenance of the Website. Such third parties may collect information about you and your use of the Website through us or on their own, and we may share your personal information with such third parties. We require our third party vendors to keep such information confidential and to only use the information as necessary and for the purpose it was provided.

We may disclose any information to governmental authorities or private parties, to the extent we deem that it is necessary, in our sole discretion, in order to comply with any applicable law, regulation, legal process, investigation or governmental request. We may also disclose such information where we believe it is necessary to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our policies or Terms of Use, to verify or enforce compliance with the policies governing the website and applicable laws, or as otherwise required or permitted by law or consistent with legal requirements.

We may also share the information we collect, as described above, with other nonaffiliated third parties such as third parties who may assist us in preparing monthly statements, and credit reporting agencies to whom we report information about your transactions with us.

Please be advised that any opt out rights described below will not apply with the sharing of information necessary for us to process applications, such as with consumer reporting agencies, or to perform services that you request.

By way of further example:

Cookies

A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates.

Log Files

We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Links

This Website contains links to other sites. Please be aware that we, The Financial Clinic, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by this
Web site. Operators may be subject to the FTC’s privacy regulations and if so, (i) the FTC’s regulations contain sample disclosures that operators may consider; and (ii) operators may be required to send annual notices in addition to initial disclosures to their customers.

Security

We take commercially reasonable steps to protect any personal information you provide from loss, misuse, and unauthorized access, disclosure, alteration, or destruction.

If you have any questions about the security at our Website, you can send an email administration@thefinancialclinic.org.

Site and Service Updates

We also send the user site and service announcement updates. We communicate with the user to provide requested services and in regards to issues relating to their account via email or phone.

Correction/Updating Personal Information

If a user’s nonpublic personally identifiable information changes (such as your zip code), or if a user no longer desires our service, we will endeavor to provide a way to correct, update or remove that user’s personal data provided to us. This can usually be done by calling our headquarters at (646) 810-4050 or by emailing administration@thefinancialclinic.org.

Opt-out Requirements

As provided in this policy, we only provide your nonpublic personal information to a nonaffiliated third party in conjunction with the services that you have requested that we provide to you. All nonaffiliated third parties to whom we disclose your nonpublic personal information are contractually prohibited by us to disclose or use the information other than to carry out the transactions that you have requested. Accordingly, there is nothing for a user to opt out of with respect to how we currently use their non-public personal information.

Notification of Changes

If we decide to change our privacy policy, we will post those changes on our homepage so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email or US mailing so as to enable users to “opt-out” if we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

Refund Policy

This Refund Policy applies to anyone who makes a donation to The Financial Clinic.

Donations, whether made online or by mail, are non-refundable.

Recurring donors may cancel future donations by sending an email to administration@thefinancialclinic.org. Payments will stop the month after donations are cancelled. For example, if you withdraw in April, your credit card will be charged in April but not May.

We reserve the right to make changes to this policy. Any changes to this policy will be posted.

Terms and Conditions

You agree that your use of the Website is subject to the following Terms and Conditions. These Terms and Conditions may be modified at any time and from time to time; the date of the most recent changes or revisions will appear on this page. Continued access to the Website by you will constitute your acceptance of any changes or revisions to the Agreement. If you do not agree with the Terms
and Conditions, please do not use this web site.

The materials contained on the web site are provided by The Financial Clinic as a service to you for your use on an “as is, as available” basis. You acknowledge that you are using the web site at your own risk. The Financial Clinic assumes no responsibility for error or omissions in these materials. The Financial Clinic makes no, and expressly disclaims any and all, representations or warranties, express or implied, regarding the web site, including without limitation the accuracy, completeness, or reliability of text, graphics, links, products and services, and other items accessed from or via the Website, or that the Website will be uninterrupted, error-free, or free of viruses or other harmful components. No advice or information given by The Financial Clinic or any other party on the Website shall create any warranty or liability.

Donations, whether one-time or recurring, may be made through The Financial Clinic’s website, or by mailing a check, made payable to “The Financial Clinic” and mailed to Industry City, 254 36th Street, Suite B321, Brooklyn, NY 11232.

Tax receipts will be issued to the e-mail address and mailing address provided with the donation.

There is no minimum donation.

Donations, whether made online or by mail, are non-refundable.

All credit card transactions will be processed in US dollars.

Any complaints may be sent to administration@thefinancialclinic.org or (646) 810- 4050.